When an SSS member dies, his or her SSS beneficiaries get a death benefit from SSS.

The amount of death benefit and whether it will be a one-time lump sum or monthly pension will depend on the member’s number of monthly contributions, credited years of contributions, last 60 monthly contributions, and whether the beneficiaries are primary or secondary.

Here are the types and hierarchy of SSS Beneficiaries:

1. Primary Beneficiaries

The Primary beneficiaries are FIRST in the hierarchy.
There are 3 kinds of Primary Beneficiaries:

a. Dependent legal spouse
(He/she remains a beneficiary as long as he/she DOES NOT remarry, cohabit with another person, or have a child with another person)

b. Dependent children under 21,
whether legitimate, illegitimate or legally adopted
(They remain beneficiaries until they turn 21, or get married or get employed)

c.Dependent children over 21 who are permanently incapacitated
(they stop being primary beneficiaries if they get married)

Primary beneficiaries get a monthly pension if the deceased member accumulated at least 36 monthly contributions. They can choose to get the first 18 monthly pensions in advance, as a one-time lump sum and then start receiving their monthly pension on the 19th month.

If the deceased member accumulated less than 36 monthly contributions, beneficiaries get a one-time lump sum.

If there are primary beneficiaries, they are the only ones who will receive the death benefit. If the spouse is not qualified to claim the death benefit because he/she is no longer a dependent, the dependent children under 21 or permanently incapacitated children will claim the benefit.

2. Secondary Beneficiaries

If there are no primary beneficiaries, meaning there are no dependent spouse and no children, the benefits can be claimed by the Secondary Beneficiaries.

The secondary beneficiaries are the dependent father and mother of the deceased. They will receive the death benefit as a one-time lump sum.

3a. Designated Secondary Beneficiaries

If there are no primary and secondary beneficiaries, meaning there are no dependent spouse, no children, no dependent parents, the benefits can be claimed by the beneficiaries written in the deceased member’s SSS records (SSS E1 or SSS E4 forms).

3b. Additional Designated Secondary Beneficiaries

The SSS Citizen’s Charter states that the following can be designated as SSS Beneficiaries provided they are dependent on the deceased member at the time of death:

a. Legitimate ascendants and descendants
b. Parents and their legitimate children and the legitimate and
illegitimate children of the latter
c. Parents and their illegitimate children
d. Legitimate brothers and sisters, whether full blood or half blood

Secondary beneficiaries receive a one-time lump sum.

Actual examples:

Here are the results of 2 death benefit claims. Two adult children, one was 28 and the other was 23, filed their claim after each of their fathers died. Their mothers were disqualified as beneficiaries because they have remarried. Soon these two children were surprised to find found out that they were not the ones written as beneficiaries in their father’s E1 or E4 forms kept by the SSS. One found out it was his aunt who was designated as beneficiary in his father’s E1, and the other found out it was her cousin who was designated as beneficiary in her father’s E1.

What SSS did was it divided the benefits between the 2 beneficiaries: in the first case, 50% for the son and 50% for the aunt, and for the other case, 50% for the daughter and 50% for the cousin.

According to Section 8 of the SS Law, RA 8282, if there are no dependent spouse, no dependent children and no dependent parents, the beneficiaries will be any other person designated by the member as his/her secondary beneficiary.

SSS will check the designated beneficiaries in the deceased member’s E1 or E4 form filed with the SSS.

4. Legal Heirs Based on the Law of Succession

If there are no primary, secondary and designated secondary beneficiaries, the benefits can be claimed by the legal heirs based on the Law of Succession.

The hierarchy and shares of the legal heirs are described in the Civil Code
(Book III, Title IV, Chapter 3, Section 2)

a. Heirs written in the member’s will (in the form prescribed by law)

b. Legal Heirs, based on Intestate Succession

1. Legitimate children or their descendants
including adopted children or their descendants

2. Illegitimate children or their descendants

3. Father and mother

4. Maternal and paternal ascendants

5. Spouse

6. Brothers and sisters or their children

7. If there are no legal heirs, the whole estate of the deceased will be inherited by the municipality in the Philippines where the deceased last resided, or in the case
of real property, where the real estate is located.

What about the funeral benefit? Who can claim it?

The funeral benefit can be claimed by the person who spent for the funeral, to be proven by funeral receipts.

In case the funeral was paid for by an organization, a funeral plan provider or a generous person, the family of the deceased member can ask the person who paid for the funeral to sign the SSS waiver form to enable the family to claim the funeral benefit.

Hi Fe, hindi automatic. Isusulat ang name of dependent sa application for pension, at ang pension ay not the same amount with the main pensioner’s pension. It’s 10% of the main pension or 250 pesos, whichever is higher. Disability should be: “he/she is congenitally incapacitated or while still a minor was permanently incapacitated and incapable of self-support, physically or mentally.”

Hi Jason, you might want to find out if the first marriage is valid and registered with the NSO. You can ask for a Cert of No Marriage (CENOMAR) for your father. You need to provide Complete name of your father, Complete name of his father, Complete maiden name of her mother, Date of birth, Place of birth. This cert will state whom he was legally married to. If it’s your mother’s marriage that is registered with the NSO, then your mother can present this CENOMAR to SSS, together with her marriage cert.
About the first wife: Even if her marriage to your father is valid (meaning it was registered), she will not qualify as a claimant of your father’s SSS benefits because she was not a dependent wife of your father and she is with another man.
If the CENOMAR states that your father is single, the beneficiaries will be his parents. If no more parents, the beneficiaries will be those written in your father’s SSS records.

My father has already passed away years from now. Now my mother filed for death benefits as surviving spouse with the Social Security System, but her claim was denied because, according to the SSS, she was not the only beneficiary listed. We already know that my father has been married through civil rites and bears 2 children before he marries my mother through the church and bears 5 children which of course undeniably a valid marriage as well. Is my mother considered as legal spouse and qualify as the primary beneficiary of the deceased member? I dunno if my father’s first spouse has knowledge about my father’s death because she also remarries another person. Let say, if she knows about it and intends to claim the death benefits of my father, will she be granted to claim that easily knowing she was the first spouse? Is there still a chance that my mother can claim the death benefits of the deceased member? Because until now we are still puzzled on what we should do about it. A piece of advice would be great of help.

Hi Ms. Nora, my dad passed away last Sept 2017. He was an sss member and had contributed to SSS for more than 5 years. He was also a widow at the time of his death (my mom passed away 3 years before he died). I and my three siblings are all legitimate children and we have one illegitimate brother. We are all over the age of 21. My paternal grandmother was still alive when my dad passed away but she too passed away a month after my dad died. When we filed the funeral benefits, we were told by SSS that my younger brother and sister were the ones named as my dad’s designated beneficiaries on his SSS so they can file the death claim. But when they submitted all the required documents, SSS told them they cannot claim the death benefit because they are not the right beneficiaries. My grandmother was supposed to be the rightful beneficiary because she was still alive at the time of my father’s death. But now that she’s gone too, SSS is saying that it is my father’s siblings who can claim the death benefits. How about my brother and sister that is named as his beneficiaries? Di po ba dapat ang mga kapatid ko ang may karapatang mag claim since sila ang designated beneficiaries?

Quick question about this 1. Primary Beneficiaries
The Primary beneficiaries are FIRST in the hierarchy.
Secondary beneficiaries can claim only if there are no Primary beneficiaries.
Designated beneficiaries can claim only if there are no Secondary beneficiaries.
There are 3 kinds of Primary Beneficiaries:
a. Dependent legal spouse
(He/she remains a beneficiary as long as he/she DOES NOT remarry, cohabit with another person, or have a child with another person

Hi good morning po. My brother’s 1st wife died 4 or 5 years ago, they have a special child 26 years old,since the 1st wife of my brother died, the child stayed with my brother together with the 2nd wife, no dubt my nephew has been well taken care off by the 2nd wife, and my brother was the one who received the monthly pension of the 1st wife, now my brother ,just died 2 weeks ago. The 2nd wife wanted to change the guardianship of my nephew and she wanted it to be the “yayo” of my nephew who takes care of the child since younger years. My question…is the “yayo” qualified to be the guardian of my nephew. We already told the 2nd wife that we dont agree of that but still the 2nd wife lets the yayo process the sss change of guardianship. I hope someone can give me advice.

My mother passed away last May and one of the requirement to process the burial is her E1 or E4…the problem is that we can’t find those documents. What can we do to claim the burial and other benefits?

My mother passed away last May and one of the requirement to process the burial is her E1 or E4…the problem is that we can’t find those documents. What can we do to claim the burial and other benefits?

Hi Yohan, sa mga nabasa kong SSS cases, supporting lang yong mga wills, meaning nasusunod pa rin yong rules ng SSS (see above). Meron din kasing tinatawag na compulsory heirs under the law (children, parents if no children, and spouse) na hindi puedeng idisinherit through wills kung walang valid reason (like serious crime).
As a supporting document: example lang, ang married member was abandoned by the spouse for years, so the married member made a will disinheriting the spouse. Later on, the other claimants can use the will as additional proof that the spouse was no longer a dependent of the married member and no longer a valid beneficiary.

I have question.. My dad passed away in 2010 of June and I just found out the legal heirs is my aunt (E1) during that time my dad is single when he file his sss does the legal heirs will be automatically change once he has children’s.

We are 3 siblings all in legal age more than 21 is there anyway we can claim it. We are legal child’s… Need some help and opinions.

Hi caroline, yes, you can make a notarized will — your children can use this will as one proof that they’re the rightful beneficiaries of your SSS benefits. The birth certificates of your husband’s children with the other woman (if he’s written as the father and he signed them) are also strong proofs that he is no longer your rightful SSS beneficiary. About deleting him from the SSS records, I’m sorry but the SSS accepts only court declaration of annulment, or but anyway, in case there’s a need to claim later on, your children can file their own claims, presenting your will and the children’s birth certificates as proofs that your husband has long abandoned you and was no longer your dependent since he left for his other family.

Hi Ms.Nora, I’m an SSS member, separated from my husband,he is cohabiting with another woman, had children with another woman.My question po is can I change my primary beneficiary if I can prove his wrongdoing then make a written will with lawyers notary? I wanted one of my children (both over age) to be my primary beneficiary. Thank you so much for making time in answering my question.

Hi Ayen, sorry kung walang marriage certificate, hindi puedeng mag-pension ang mother mo. Hindi rin kayo puedeng mag-pension if all of you are already 21 or older. Ang magpe-pension is the legal wife kasi siya ang merong ipapakitang marriage certificate. Mapapatigil lang ang pension niya if someone proves to SSS that she was no longer dependent on her husband since they separated. Makakakuha kayo ng lump sum if your father has no more parents, and if there’s no more child under 21, and if the wife will be declared by SSS as not qualified to be the primary beneficiary. Pero habang hindi napo-prove that the wife is not qualified, siya muna ang makaka-claim.

Hi Nora, Can I receive any claims for my child who has not been reported as my beneficiaries since he died a month after I gave birth to him.(he was premature) He died right before I can applied him as one of my beneficiaries.

Sir, ako ay pwd dependent of my deceased mother who is sss member. I am more than 21 years old and would like to claim a lifetime pension being a pwd. Meron na po akong sss doctors approved certificate qualifying to be pwd. Ano po ang mga other requirements to be submitted for my claim para po ma prepare ko before filling. Salamat po.

I’m the niece of the deceased and the designated beneficiary written on the record. The deceased is unmarried and parents are dead. Who have more right to claim the benefits, me or his siblings? They are married and never took care of my uncle until he died.

Hi Anna, your parents are still your beneficiaries/dependents because you’re single, regardless of their age. You can add your siblings, if you like, even if they’re all older. Or write just your parents. When you marry later on and have children, your spouse and your kids will be your primary beneficiaries and dependents.

I have a question regarding the Dependents for SSS. My mom turned 60 last year and my dad is already 58 years old. I’m the youngest in the family so I can’t declare my elder sister as my dependent. Are my parents still considered as qualified dependents?

Hi Ryukk, yes, dependent wife pa rin ang mother mo. Una, siya ang merong valid marriage certificate, and second, she receives support from your father. But your father’s illegitimate child, if still of minor age if the time comes that you need to claim, this child will receive a dependent’s pension.

Hi May, sad to say, if your sister’s husband has a valid marriage certificate to present to SSS, he will be able to claim his pension even if his name was not written in your sister’s SSS records. Parents can claim only if their child had no spouse or no children. But if the husband abandoned your sister for some time prior to her death, and you have proof, you can file your parents’ claim together with your proof. Sometimes, in cases like this, SSS asks claimants to file their complaint with the SSS Commission.

Hi Nora, i have a question regarding the SSS pension of my sister. Actually she is paying the voluntary contribution for SSS when she was still a single and she finished it already which is she is now entitle for pension. She is married and last January 5 she passed away, but in her civil status in the SSS records she was not able to change her status. My question is can the husband claim the said pension even he is not the beneficiary? My parents who is still alive are the beneficiaries in her file in the SSS but the husband is after her pension. Can the husband claim her pension?Please i need your answer. Thank you in advance.

Hi Mark, this is only my opinion based on the SSS rules on beneficiaries and on my readings. If your non-designated siblings will file a claim, they will be able to share in the benefits with the designated no-blood-relation friend. Maybe it will help if you research about making a notarized will if there’s a valid reason you want your friend to be your sole beneficiary. There are lots of info online from Philippine lawyers.

Hi Nora!
If I listed/nominated my FRIEND (no blood relation) on the OTHER BENEFICIARIES portion of my SSS E1 form, and that I am single with NO children and parents (no Primary and Secondary beneficiaries):

1. Will my friend be able to get the benefits (since I nominated him/her)?

2. Will my friend be able to FULLY get the benefits even if I have a brother or sister (not nominated siblings); or will they split the benefits?

My husband name is Kingston Ang Sy as SSS member last 2004 to 2006 under Ultrafresh purified & distilled water Co., employer SSS#03-9049434-2. I already claim the death benefits. Is in SSS quintin paredes st binondo area branch. My concern is could i request your good office a certify thru copy issue a letter that who are designated primary children beneficiary included. Please reply at once where can i get my request, thank you for your time & understanding!
From Rebecca Sy ( wife)

Hi Marilou, does your child’s disability qualify under this SSS rule? SSS rule: The dependents’ allowance is granted for life for children who are over 21 years old, if they are incapacitated and incapable of self-support due to physical or mental defect that is congenital or acquired during minority.
If your child qualifies and if you can get a certification of congenital disability or incapacitation from a licensed doctor, you can ask your husband to include your eldest as his dependent when he files his pension claim, so your child can also get a pension.
You can ask SSS (present your marriage cert and ID) the names of your husband’s dependents/beneficiaries with SSS. (Don’t tell that your husband attempted to remove your name). I doubt he was able to remove your name, as a court declaration of annulment, divorce or legal separation is required before a spouse can be deleted as SSS dependent or beneficiary.
If he passes away, file for his pension to be transferred to you. I think if no other person contests your being the dependent spouse and no one proves that you left your husband and got separated for a long time, SSS will grant your claim. Best regards too

Before I left husband he told me that I will never benefit even a single cents.fine with me what is important I’m emotionally and mentally stress free.We are married 23yrs. chaos life.got 3 grown boys now 30/29/28yrs all single living with me.Husband living alone in our conjugal house together 100 of hes cockfightings.
He removed me and put name of he’s mother as sss primary beneficiary.this 2016 he’s mother passed away..husband turning 60 planning to apply sss pension..my question is
Who will be qualified to he’s sss pension beneficiary?
Do I have right to intervene on this matter?
Kindly advice me what to do..my eldest is disable but still trying hard to employ.

1. Primary Beneficiaries
-c. Dependent children over 21 who are permanently incapacitated

Just want to clear things out about this Hierarchy of SSS beneficiaries. My brother is mentally insane and he is under my supervision as his guardian. We are living together with my father who is the SSS pensioner. Can he consider as incapacitated? What is the supporting document we need to present to claim that he is a legal primary beneficiary of my father?

hi ms. nora sana po ma sagot nio po ang tanong ko my father and her estranged wife left us when i was about 2 1/2 years old since kasal sila sino po ang makakakuha ng benefits niya pwede po ba kaming mag file ng affidavit of abandonment since hindi na po sya samin nakatira at may kinakasama na sya and she have a two sons na what legal step should i do ?

may question po is if father ko namatay last 1996? and this year ko lng po nalaman?
makakaavail pa po ba ako ng kanyang death benefit? if makakaclaim po ako what are the docs need ko po signan and isubmit sa inyo..please advise.

Hi Regine, the first wife can claim, kasi meron siyang marriage certificate. Pero, you, the children and your mother can file your claim with SSS as designated beneficiaries (naisulat sa SSS records as beneficiaries), but you need to prove to SSS that the first wife has been separated from your father for a long time, na hindi na siya sinuportahan ng papa ninyo since years ago.
By the way, kung living pa ang parents ng papa ninyo, sila ang next in line to file their claim in case ma-prove na hindi qualified as beneficiary yong first wife. I hope you can share here later on who was able to claim

Hi Christine, sorry hindi puedeng ilipat sa iyo ang pension, kasi father mo ang primary beneficiary. Yong ACOP na form ay madali lang naman na i-file annually. This is how your father can file his SSS ACOP form about a month before his birthday or during his birth month.

Hi cheng, I’m sad that the documents required to delete your husband’s name from your SSS record are difficult/impossible to get: certificate of annulment, or decree of legal separation, or certificate of divorce, or court declaration of presumptive death in case he’s presumed dead. Death cert is easier to get, in case of death.
Since you cannot delete his name, make an Affidavit of Abandonment and have it notarized. This will be used by your daughter or her guardian later on. SSS does not give benefits to a spouse that has abandoned the SSS member. But there should be proof, and this affidavit is one proof.

I am Cheng, married with a 3 and 11 months old daughter. 3 months after i delivered our child. he just left us without any signs where he went..its been more than 3 my parents are the one spending since he abandoned us and we dont have any news from him. so i decided to file my SSS for the purpose of my daughter can get something but hes name still appear as beneficiary since kasal kame sabi ng taga SSS. how can i remove his name as beneficiary kasi ako naman ang nagbabayad nun? any documents can help me to support remove his name?

Thanks for the response. Greatly appreciated! It was my stepmom who processed both funeral and pension claims so I don’t know exactly how many percent my siblings are entitled to? She also told us that all pension (both jers and my siblings) will go to her account as she is the legal spouse, so she said she will just gove my sibling’s part if she already started receiving the pension.. is this true?

I went to sss last time and when I asked the information personnel he told me that my sibling can only claim one pension at a time so definitely my mom’s pension will be gone as soon as they start receiving my father’s pension. I think I also have to clarify this one to them.

Hi Izza, is your father an SSS member? If yes, the one who spent for the funeral can claim the funeral benefit. ORs are required. The second wife and your 2 minor siblings can claim their pensions (if your father contributed at least 36 contributions. If less than 36, they will share the lump sum.).
Yes, your 2 minor siblings should also continue receiving their pensions from your mom’s membership until they turn 21, in addition to benefits arising from your father’s membership.

Hi Nora, my father remarried again 6 years after my mom’s death but eventually died 3 months after the marriage having no children with his second wife. However I still have 2 minor siblings. What benefits are they entitled to? Also, will they still received the pension they used to get from our deceased mom?
I will really appreciate a reply. Thanks.

Hi rinalyn, I think he can register you as dependent using the Change of Member Data form, but when time comes that his heirs need to file a claim with the SSS, it will be the minor children who can claim. The legal spouse can also file her claim, but her claim can be invalidated with a petition to the SSS Commission (that she has been separated from your partner for many years). If there are no minor children and no spouse, the claimants are your partner’s parents, and if there are no parents, then the claimants are those listed in the dependents’ records and the children.
To register you and your son, he needs to file with his ID and your son’s birth certificate.

Hi Gualberto, yes, you can register him as your beneficiary. File an SSS Member Data Change Request form with your IDs. But even if you write him as your sole beneficiary, the SSS hierarchy of beneficiaries will still be followed, meaning, first are your parents, then if there are no parents, it will be your brother. Then later on, if you get married, your primary beneficiaries will be your wife and your children.

Hi evelyn, so sad, but that’s what in the SSS law. Unlike a spouse beneficiary who can be disqualified if proven to have abandoned the SSS-member-spouse, a parent beneficiary cannot be disqualified even if this parent has abandoned the child. Sorry I can’t think of any other viable option. Obviously, a waiver of rights from your husband in favor of you can’t be obtained as you don’t know where he is. Maybe continue looking for him from time to time on Facebook and other sites. Thank you for appreciating my blog. Means a lot.

Hi Nora! Glad to find this blog, which is so helpful.
Last year, I was able to claim half of my son’s death benefits (lumpsum). I was informed then, that only the Father can claim the other half, no matter what the family situation has been. The father has abandoned us and my children since 1989. Do I have any other option to claim the other half considering that there is no way to locate my husband anymore.

Hi A, yes, it’s your grandmother who is the beneficiary because you and your brother are no longer minors. But it will not be pension for your grandma; it will be a lump sum. Yes, you can file in behalf of your grandma. File for the funeral benefit first before filing for the death benefit. If funeral benefit was already claimed, then you can file for the death benefit. Get a Special Power of Attorney (SPA). will get back

Hello Ms. Nora, My mother just passed away recently. My father also passed away a few years back. I have a brother. However, both of us are already above 21 years old. I already asked SSS about it but I want to clarify. My grandmother is still alive. Is it true that she will be the beneficiary instead of us the children? Can I file the death claim in behalf of my grandmother? How? Thanks in advance.

Hi IC, if your uncle was reported to SSS by his employer and had a date of coverage, even if he did not pay any contribution, the wife can claim a funeral benefit. But since she is not sure, if she decides so, she can go to the nearest SSS with her ID, her marriage cert and her husband’s death certificate and ask. But she should be ready also for the possibility her husband was not reported to SSS by his employer.

Hi Nora, My Uncle died last June 6 and found out that he had a sss number but without any coverage. What I know that he got employed way back before but we cannot trace his employer. I’m suspecting that the employer did not remit his contribution. Now we are not sure if his spouse is eligible to have any burial benefit from her husband. Please advise. Thanks a lot!

Hi Cel, in the SSS Citizen’s Charter, claimants can ask their representative to file their claim via a SPA and even to sign for them (with the SPA stating that the rep can sign all claim documents in behalf of the claimant), but the SSS could be stricter now. Visit again SSS and ask for all death claim forms required (including the CTCB Visa Debit card application form) and ask them if this is okay with them: your brother-in-law will sign all the forms in NZ and then send them back so you can file them using a SPA. Ask if the claimant’s IDs can be photocopies and not the actual IDs. Thank you very much for appreciating my efforts. Means a lot to me. Makes my day! 🙂 I hope you’ll have time time to update us of your experience — it will help more people, and thanks a lot.

Hi Ms Nora! Your site is such a good read …you’re such a blessing especially to those who needs enlightenment towards their SAS queries. May I ask a question as well? My sister and her family’s now based in NZ, she died last Feb and I was asked by my brother-in-law to file for funeral and death claim. My brother-in-law gave an SPA, I was able to use it for the funeral but for the death the SSS branch personnel is now saying that he should be signing for the death claim. Can I still use the SPA since my brother is unable to sign and take care of documents due to his busy schedule as he is now a solo parent.

Hi Cj, if you remain single and your child is under 21 when you pass away, your child alone will be able to claim your SSS. She’ll have pension if you contributed at least 36 contributions, and lump sum if less than 36. Even if her surname is not the same as yours, her birth certificate will prove that she is your child. She’ll be asked to submit your Cert of No Marriage. With Pag-ibig, your child and your parents will be the claimants. If you pass away unmarried and your child is 21 or older, it will be your parents who will claim. If parents are already deceased by that time, the claimant is anyone you wrote as your beneficiary in your SSS E1 or E4. Is your child written in your E1 or E4?
If you get married later on and your child is 21 or older when you pass away, it will only be your spouse who will be able to claim from SSS. She’ll not get anything. If still under 21, she’ll get a small pension (250 pesos or 10% of basic pension, whichever is higher).

Hi Elaine, was your father already a SSS pensioner when he died? If yes, your mother will receive pension. not lump sum, because your father’s pension will just be transferred to her. If something happens to your mother, there is no more benefit to claim because your father already enjoyed his pension, and was even transferred to your mother.
If not a retiree, meaning your father died before age 60, your mother will get pension because your father contributed 36 contributions or more to SSS. Lump sum is given only if less than 36. In the claim form, you can check the option to receive the first 18 monthly pension in lump sum, so your mother can receive that lump sum. After 18 months, she’ll start receiving her pension. About your other question: A death pensioner deserves to get at least 60 monthly pensions (5 years), so if your mother won’t be able to receive all 60 pensions, you, the children can claim the rest.

Hi Ms. Nora, Would like to ask, I’m a single mom of a 3yr old. My daughter uses the surname of my ex-boyfriend whom I’m not married to. We got separated when my baby is only months old. And since then we didn’t have any communication. But he ackowledged my child even in birth certificate. Will there be a problem if my child claims from SSS and other benefits in case I pass away? Please kindly respond also in my gmail account. Thank you so much.

Hi ms.nora. my father died feb.21,2016 and I’m the one, as the eldest, filing the death claim as my mother has been bed ridden for 5 years. She had stroke po. my question is are we really not allowed to file for lump sum? I was told that my mother will have pension. what if po something happens to my mother and she won’t be able to get all the benefits? thank u ms.nora. I hope you can help me

Hi Rose, was the funeral benefit already claimed? Because SSS requires that the funeral benefit is claimed first before any death claim is filed. Do you mean your mom never received any pension, not even one month? Are your dad’s parents still alive? Because they’re next in line. If they both have passed away, then you can file your claim. But first go to SSS with your ID, your dad’s death cert and your birth cert, and ask how you can claim as designated beneficiaries. Ask also if your siblings can sign SPAs so you can process the claim by yourself. Yes, you can claim even after 4 years. If they ask, just explain why you’re claiming only now.

Hi nora. I just want to ask some questions on how are we able to get my dads SSS benefits?because SSS told my mom that she can’t claim the SSS benefits of my dad since they found out that my mom is married to other guy. Me and my siblings are all married and above 21years old but our name is written as our dads beneficiary. Do we have any claim if that is the case? what are the requirements I need to bring? and can I claim it alone with my siblings SPA in their absence because they are all busy with their work. lastly my dad died 4yrs. ago. Are we still entitled to get it? please reply. thanks

Hi Romnick, you can register your niece as your designated beneficiary (this means she can claim the death benefit only if there are no primary and secondary beneficiaries). Sadly, she won’t qualify for the educational loan. If member is single, only a sister or a brother is qualified for the educational loan, not niece or nephew. Besides, the educational loan fund has been fully allocated and has a long waiting list of new applicants.

Hi Nora, I’m single and I would like my niece will be my secondary beneficiary since she is an illegitimate child of my sister. I want her to send in school using my educational loan. It is possible? Please advise! Thanks

Hi Ariane Aimee, yes, the minor children can claim their pension if their birth certificates show the name of your friend as their father. The children’s partner should file asap so SSS will know that your friend has a second family. The benefit is pension if your friend contributed at least 36 contributions. If less than 36, they’ll get a share in the lump sum.

hi mrs Nora, i have my friend who died yesterday and he has 3 male minor children ages 8, 18 and 20 years old from second partner because my friend has his legal wife. what if the children are not declared as his benificiaries, can the children can get their pension or claim from sss? thanks

Hi Michell, did your husband’s mother and stepdad get married? Because if not, then the stepdad is not a beneficiary. Even if they got married, he’s no longer a beneficiary because he left many years ago, but this fact needs to be proven to the SS Commission, and usually it takes a long time. A waiver from the stepdad can be used, but do you think the stepdad will sign a waiver? If not married to the stepdad, then your husband can file: mother’s death certificate, first husband’s death cert, notarized waivers from your husband’s siblings, in addition to the other documents required. SSS might require you to have the U.S. death cert verified by the Philippine consulate in the U.S. But before collecting the waivers, go first to SSS and ask if SSS accepts siblings’ waivers to rights to their mother’s death benefit lump sum in favor of one sibling.

Hi Ms. Nora, I need your expertise with my situation. My mother in law died 2 years ago. She resides in the US when she died so her sss was not updated however she has sufficient contribution with sss. Can my husband claim for a lump sum since he and his sibblings are the primary beneficieries? They are all adult(21 yrs old above) and his sibblings waive their rights with the claim? In addition, Do we need to get a waiver from his step dad though he was not a part of the neneficiaries? His step dad left more than 10 years ago

Hi Nora. What will happen if the dependent spouse bear a child from another man few years after the death of her husband? Can it be a ground for the forfeiture of the monthly pension? Because according to the SSS Law, a spouse is considered a dependent spouse not unless he/she re marries. How about having an affair with another man but they didn’t marry?

Hi Liza, sad to say, that’s true, based on the SSS law. The law says that if there are no primary and secondary beneficiaries (no spouse, parents and minor children), the benefit will go to the designated beneficiaries (persons whose names are written as beneficiaries in the member’s SSS records). However, you can ask SSS about the definition of secondary beneficiaries in the 2016 SSS Citizen’s Charter — that secondary beneficiaries are entitled to the benefit under the Act provided that they are dependent for support upon the member at the time of death. Was your cousin dependent on your father before he died?

Hi ms. Nora, im filling a death claim from my dad’s sss. Im an only child 29y my mom and grandparents (dad) are also deceased. On my father’s sss form he wrote one depent which is my cousin and me under the beneficiary. Sss told me my cousin and me will split the death claim. Is this true? Thanks. Liza

Hi Bryan, yes, your mom can claim her husband’s pension even if she’s already a US citizen living in the U.S. You need a SPA stating your authority to file/process the claim. You’re allowed to sign for and in behalf of your mom if it’s stipulated in the SPA.

Hi Nora. My parents are already US Citizens living there. My father died last January and I would like to file for survivor’s pension for my mom who is 68 y/o. Can my mom still claim for this pension from my father even though she is already a US Citizen living in the US?

Hi Angel, sorry, are you writing about one brother or two brothers? I’m puzzled why you did not include your incapacitated brother as a beneficiary, together with your minor brother, right away before. If he was incapacitated long before, yes, you can file. You need to present a medical certificate plus other medical documents required by SSS.

H! Ms n0ra, i just wanna ask f my brother (incapacitated child, 25y.o) still can claim a pensi0n if we will add him as a beneficiary of my father? My father’s been a pensi0ner for 7yrs and my br0ther’s been cut-off after he reached 21.

Hi Mae, if there’s someone among you, children, who is still under 21, then she/he can file for his/her pension, even without your mother. If for example the minor is already, for example, 20 years old, he/she’ll get pension for several months, then later on, will get a lump sum of about 4 years (a pensioner should be able to get at least 5 years of pension).
If all children are already adults, then you’re all secondary beneficiaries, meaning you’ll get a lump sum, not pension. Your mother is no longer a beneficiary because she stopped being a dependent spouse when she left you all. Have you claimed your funeral benefit? SSS wants to process this first.
About the death benefit, you need to ask SSS what documents you need to present to SSS to prove that your mother has abandoned you and your father since you were babies, so you can file these proofs together with your claim. Do they accept notarized joint affidavits from neighbors? or barangay officials? or do they require you to ask for advice from the Social Security Commission?

Hi, my father died and the primary beneficiary is my mother who is not around anymore. She left us after giving birth. Can we get the pension of my late father. And how, what are the options if we really can’t find my mother.

Hi Glenn, your mother is the primary beneficiary, so it’s your mother who gets benefits. Children can only be primary beneficiaries if they’re younger than 21, unmarried and unemployed. You can be a secondary beneficiary if there’s no primary beneficiary.

Hi nora, my ex husband and i was not legally separated for 4 yrs since 2012. He died this yr 2016. We have a 7 yrs old child. I already cohabited with other man since 2013. Since i will not get any pension, What will happen to our pension? Is it correct that 100% of the pension will be given to my child? Or just a % of what i supposed to get? My ex husband has no other child and was not engaged to other relationship at the time of his death.

Hi Kim, I’m sad that SSS has not made a decision on your claim. If we look at it based on SSS rules, it’s the first wife who’s the primary beneficiary because she was legally married to your dad. But because she was not dependent on your dad for many years before he died, she does not qualify as “dependent spouse” as defined by SSS, and therefore she’s not eligible for the benefit.
But this being not dependent spouse should be proven, usually in court, based on court cases on SSS disputes that I’ve read.
How about your dad’s parents? Are they still alive? They’re the secondary beneficiaries. If the parents are deceased, it’s the designated beneficiaries who can claim: your mom, your sister and you.
Maybe your claim is not moving because the first wife should first be declared as not a dependent spouse. Ask SSS how you can process a petition to the Social Security Commission to declare you as rightful beneficiaries (if the parents are already deceased).

Hi Ms.Nora my dad died last dec. 2007 and he got married to his first wife at 1957 and when they separated without annullment he got married to my mom in 1984.They lived together with us which is my sister and I until he died.We’ve been processing the death claim since 2008 until now 2016.But still SSS still looking for the first wife which only had marriage cert and doesn’t even know what my dad’s SSS number or any documents because as of now she wants to get all the benefits from my dad’s contributions.And also I want you to know that we had all the documents needed and my died already transferred his beneficiaries under my mom,sister and me before he died.

Hi cecil, yes. Fill up the E4 form. Bring your IDs and decree of legal separation, or divorce and naturalization, or certificate of finality of annulment. If you have none of these decrees/certificates, keep proofs that your husband is no longer your dependent (letters, photos, emails) — these can be used by your other beneficiaries that your husband is no longer your dependent.

Hi Neil Ryan, have you filed for the funeral claim? I asked because SSS requires this to be filed first. About the death claim, you can process your grandma’s claim through a SPA specifically giving you the authority to file and process her death benefit claim with SSS and to sign documents for and in her behalf. I think though that for the SPA to be valid, your grandma should be fully aware she’s signing a SPA at the time of signing. If you file an attending physician’s medical certificate of incapacitated dependent, you might also be required to file an Application for Representative Payee form and Guarantor’s Bond form. Please ask others too.

Hi Ms. Nora, our father died last May 2015 and we are still on the process of claiming our father’s death claim. Our mother also passed away and we are three children and all of us are above 21 yrs old. Our grandfather already passed away but our grandmother is still alive. As per SSS our grandmother will be the primary beneficiary but she could no longer do the processing for she is already 70 plus yrs old and had undergone hip replacement surgery she also suffers from Alzheimer’s disease. What shall we do? Will we get a med cert stating her abovementioned conditions for I will be the one to process our Dad’s death claim. Thank you..

Hi Nancy, do you mean his father did not file a claim because there’s no marriage certificate? If there’s no marriage cert, yes, your brod-in-law should file asap… before the 10-year prescription period for claims is over. He should go to SSS asap with his ID and ask for claim forms and a list of requirements for death pension claim. He can also bring a copy of his mother’s death cert. and his birth cert. I hope you can update me later on the progress of his case — I’m curious about his case.

Hi how can my brother in law claim pension,her mother died 9 years ago now he is 21 y/o. can he claim it since there was no other beneficiary aside from that the marriage of her parenta was not registered so there was no other beneficiaries except him

Hi nenita, if your brother does not have a child or children, you and your siblings are the claimants. But you won’t get a pension. The only ones who can receive pension are the spouse and minor children. Parents can also receive pension if the member has no spouse and no children.
What you and your siblings can get is a lump sum.

Hi Cheska, sorry I can’t accurately answer this because I’ve read conflicting cases. I’m not sure if SSS divides the basic pension equally between the spouse and the minor children, (legitimate plus illegitimate). In your case, I don’t know if they divide 6k by 6 (you, your 3 children and the 2 children). What I know is your children will continue to get their dependent’s pension (600 each) and that the 2 illegitimate (if proven true) children will also get 600 each, in addition to their share in the basic pension. I hope you can update me later on about your case, and thank you, if you will.
I found this article just now from an SSS officer: it will answer most of your questions: http://www.businessmirror.com.ph/from-the-mail-why-share-death-benefits-with-illegitimate-minor-children/

Thanks Nora, really appreciate your response. Yes, the date of their marriage is aug 12 2005 while ours is july 1 2000. For example I am receiving 6k for my pension and my children is receiving 600 each. How will it be divided?

Hi Cheska, I’m not a lawyer, but I’m sure that if the date of your marriage, as stated in your marriage certificate issued by NSO or civil registrar, is earlier than the date of the marriage cert of the alleged common-law wife, your marriage is the valid one, and any marriage after yours is null and void, unless your marriage was annulled by a court.
Your pension should continue as your marriage is valid, and you were together before he died (meaning you were his dependent before he died). Your children’s pension should continue until they turn 21. If it will be proven that the 2 children with the common-law wife are really your husband’s children (proven by birth certs and maybe photos and other documents), they will share in the pension until they turn 21, and the amount of your pensions will be reduced. I hope you can update me later about your case. Pray and take care

Hi Nora, my 3 children and I have been receiving pension since my husband died 2 years ago but the pension was put on hold because some common law wife filed another claim and she has documents with her like marriage contract, documents stating that her 2 children was acknowledged as dependent children. Does me and my childrens pension will cut? We’ve been together since 2000 up to 2014 while the other wife stating that theyve benn together since 2005 to 2014. Pls enlighten me so I can fight for our rights. Thanks!

Hi Shella May, the first wife can also claim because she was married to him (there should be a marriage cert from NSO or civil registrar). But her claim can be questioned if it’s proven that she was no longer dependent on her husband for many years before he died. Advise them to ask SSS. About the funeral benefit, it can be claimed by the second wife or the one who spent for the burial. You’re right, the minor child can surely claim.

Hello po. We have a neighboor who died just 2 days ago. He is an SSS member but was buried right away. He was married to his first wife but lived in with another one after years of separation (but not legally) his written benefeciary in his SSS record is only his daughter, who is still 14 years old,from his second partner. He did not put the name of his wife in the application does that mean that his daughter is the only one who can claim his benefits?

Hi Ella, 1. If the deceased member had at least 36 contributions, the dependent spouse and children under 21 get pensions. If there’s no dependent spouse and the children are 21 and older, the children get a lump sum. 2. If the member had less than 36 contributions, the spouse and minor children get a lump sum. If there’s no spouse and children are 21 and older, the children get a lump sum. 3. Sickness/disability/funeral benefits and loans are only for members. These are not extended to beneficiaries when the member is gone.

Hi Juliana, are your parents members of SSS? If your parents are SSS members, you can file 2 death claims. If they are not SSS members, then there’s nothing to claim, even if you are an SSS member. SSS does not provide assistance for death of beneficiaries.

My husband and I are both SSS members.We have a 25 year old special child (mentally challenged).May we know how to go about so that she can be our lifetime benificiary?May I verify also if she can get two separate benifits from both of us? Our other three children are already over 21 years of age.

Dear Nora,
I am single and 53. I am a member of SSS. Since both my parents are deceased, may I designate my single brother (45 years old, single) and my married sister as my secondary beneficiaries? How should I go about it?
Will greatly appreciate receiving your response and thank you very much in advance.

Hi Rosanna, sorry but this is my first time to get a question about a posthumous child, and I can’t find an SSS policy regarding posthumous children. What I know is if there’s a primary beneficiary (if the posthumous child is considered by SSS as beneficiary), the secondary beneficiaries do not get anything. Also, there’s pension only for the primary beneficiary if the deceased member contributed at least 36 contributions.
You should visit SSS and ask. I’ll get back if I see something.

how about if the common law wife of the deceased member is six month pregnant with their child? the listed beneficiary is the brother. Will the brother claim a lump sum first? and then after the birth of the child, can they still claim for a pension? How can it be done? Please give an advice. I’m a relative of the deceased member.

Hi Mary Dina, that’s so sad. And you’re right to feel the unfairness.
If we think of SSS rules, your father’s second wife is really the primary beneficiary because they got married. With SSS, the primary beneficiaries are the “dependent” spouse and the minor children. But you said your father came home to you, which means the wife did not take care of her properly, so this should be the basis that she was no longer the “dependent” spouse when your father died. She was no longer dependent on him. Did you ask SSS how much the wife got? You said before that your father contributed for 5 years only. I ask so that you can decide if it’s worth pursuing — think of the stress, time, etc. compared to the amount. If it’s a big amount, you can file your complaint at SSS Main. Include documents to prove that the second wife was no longer a dependent spouse when your father died.
You and your 3 siblings seemed to be blessed, as you were able to take care of your father, and obviously you forgave him for what he has done. Maybe these blessings will be more than enough to erase your feelings of unfairness. Take care and God bless.

This is In reply to your advice you sent to me. Last year, I went to sss office asking information on what to do next after I received the burial benefit. They gave me forms to filled it up for death claim and ask the office for a copy of microfilm so as to find out the beneficiary, and it was my mother. They advise me to have 4 copies for I have I sister and 2 brothers. I fact, I told the office that my father have 2 children with the other wife. So, they said that the benefits will be divided into six. I asked them if it’s ok that the filling will be late for my brother is in Japan. Recently, our forms is now complete and is ready. I went to sss office but I was surprised upon knowing that the claims was already released last January by the second wife. Why is this happened? I find it unfair on our part for we are his immediate family. I mean, it was between my father and mother during that time. The second wife appeared to be late. The said account was established during the time when we were still young. Please explain this to me so as to erase confusions. Thank you.

Hi Mary Dina, you can claim the SSS funeral benefit because you were the one who paid for the funeral services. SSS advises that you claim this first, as you sort out the other benefits. The GSIS burial benefit requires a waiver from the spouse (does the 2nd spouse have a marriage cert?). Ask GSIS if the waiver is still needed after she seemed to have abandoned your father when he got sick.
About the SSS death benefit: did your father claim his SSS savings when he was alive. You can go to SSS and verify. Bring your ID, birth cert (to show relationship) and your father’s death cert. If there’s still money to claim, the beneficiaries will be you and the 2 children (with proper birth certs). The second spouse, even if she has a marriage cert, can no longer claim, as she’s no longer a dependent spouse (if she abandoned your father). And most likely, the 2 children are now longer minors, and will therefore not qualify as primary beneficiaries.
About GSIS: did your father qualify for pension? And was he a pensioner when he died? You can file for survivorship benefits as a secondary beneficiary (the same with the 2 children) — there might be certain qualifications, so visit GSIS with your documents and inquire. I hope this helped a bit.

Good eve! My question is about the primary beneficiary. During my early childhood, coz I’m now 54 years old, my father worked in a private company for 5 solid years. Before he retired at the age of 65, he was a previous government employee. I got married at the age of 26 and at that time I’ve learned my father had other woman. They had 2 children. When I reached 38 years old, my mother moved and lived with me. Later, have learned that my father left her. My mother died at the age of 70. Because of her death, my father married the other woman. After 12 years, my father returned to me and was died of cancer. Here is the problem, who is the legal beneficiary? as per record of sss microfilm, it was my mother. Please let me understand and give me some clarifications..Thank you.

Hi Dianne, yes, if you’re single, you can add your parents as SSS beneficiaries even if they’re not senior citizens. But if you’re married, your primary beneficiaries are your dependent spouse and minor children. Your children older than 21 are your secondary beneficiaries. But I think you can try filing E4 with your birth certificate and add your father in case another secondary beneficiary will be needed. The SSS officer might ask you your reason.

Hi alvin, if your son’s name is not yet in your SSS records as your beneficiary, you can go to SSS with your son’s birth certificate (xerox and orig) and fill up the E4 form. You can write your son as your beneficiary whether you’re separated or not. If later on, you want to delete your wife as your beneficiary (assuming her name in your SSS records), you can fill up another E4 form, and present your annulment declaration as proof (xerox and orig).

I am separated from my wife since 2008 (up to the present), annulment is still on going. I want to make my son,to be my sss beneficiary. Is this possible? What benefits will he get upon my demise? How do I go about this?

Hi Migs, children of a deceased SSS-member-parent, whether legitimate or illegitimate, can only get SSS benefits if they’re under 21. Only up to 5 minor children will share in the benefits. If 21 or older, they can only get their benefit if there are no primary beneficiaries (no spouse and no minor children). If eligible to claim, the illegitimate child can present his or her birth certificate, with the name of the deceased SSS-member-parent on the birth certificate as parent.

Hi Yolle, yes, you can try writing your lola in the E1 or E4 form, and hope that the SSS officer accepts your form. If you have your birth certificate and your mother’s certificate (with photocopies), bring them, in case these are required to prove relationships.

hi po good day. Can I include my lola as my one of my beneficiaries since it’s with my lola that I grew up and my legal parents have been separated and have their own families. My lola is 60 years old. thank you po. i need feedback po ty

Hi Arlene, I’m not sure, as SSS specified only immediate family in their E-4 form, but you can try. Use the E-4 form. For change of data, SSS requires documents for beneficiaries such as birth or marriage certificates or adoption papers. I don’t know if they’re strict about nieces and nephews. You can try bringing your birth certificate, the birth certs of your nieces/nephews, and your sibling’s birth cert (your sibling – parent of the children) to show relationships.

Hi ms. Nora, my husband and I have no children. Can I include my nieces/nephews as my beneficiaries even if my parents are still alive? same w/ my husband, can he write them as his beneficiaries? His parents are no longer around. thanks. god bless!

Hi Ja, you can try filing the SSS Member Data Change Request. SSS requires documents like birth or marriage cert, so I’m not sure what document they will require if you will write your aunt. To delete your father, maybe you can show a cert of no marriage or any proof of abandonment.

Hi ira, if no spouse and no child under 21, the next heirs are the parents. Are your aunts’ parents already deceased? If parents are already deceased, the next heirs are the ones designated as beneficiaries in your aunt’s SSS records. If no designated beneficiaries, and the adopted child’s amended birth certificate shows he’s legally adopted, then he’s the claimant. If not legally adopted, the next heirs are your aunt’s sisters and brothers. But you file the funeral benefit first, as you gather data for the death benefit. Anyone of you who paid the funeral costs (funeral ORs needed) can claim the funeral benefit.

Hi! my aunt passed away last july 13, 2015, apparently we don’t have any idea who are listed as beneficiary on her sss. She is single and has one adopted child (not sure though if it’s legally adopted or what not) and he is more than 21 years of age already. how can we know who are the beneficiary and can we file her death benefit instead since she was living with us before she passed away?

Hi! Good evening. My mama and papa have been separated for many years now but then I’ve written him as one of my beneficiaries. They’re not married. Can I remove him as one of my beneficiaries and will just write my tita instead as beneficiary? What should I do and what documents should I bring? Thank you po. Your reply will be very helpful 🙂

Hi ana mae, do you mean he has no spouse, children, and parents? Or that all have all passed away? If he has none of these, or they all have passed away, the next beneficiaries will be the persons written as his beneficiaries in his SSS records. If these also have passed away, the next will be his grandparents. If none, the next will be his siblings. If no siblings or all have passed away, the children of the siblings. If none, the next will be the nearest relatives.

Hi Jen, your husband cannot just delete your name as his beneficiary and vice versa because you need to present a certificate of finality of annulment to SSS in order to delete. You can check the SSS Change of Member Data form. If your name was not written as beneficiary, he cannot just write his mistress’ name as his beneficiary because he needs to present their marriage certificate, which obviously they don’t have. When a married member passes away, the primary beneficiaries are the dependent spouse and the minor children (under 21). The spouse can prove he/she is the spouse using their marriage certificate. Another qualification is dependency (DEPENDENT spouse), so it’s most likely that your husband cannot get benefits from you because he has left the marriage and is no longer your DEPENDENT spouse. You have a much better chance of getting benefits from him because you stayed unmarried and you have your marriage certificate. It’s the minor children — your 2 kids (under 21), and his 3 other children (under 21) — who will surely inherit from him (proofs: birth certs), but your children will get more as they’re the legitimate kids. Make sure your kids’ names are written as beneficiaries in your SSS and in your husband’s SSS records, so when they turn 21 or older, they’re still designated beneficiaries of both their parents. Please ask others too; I’m not from SSS. I just based my answers on previous research.

Hi og, do you mean your uncle was single, did not have children, and his parents were already deceased? If yes, then any other beneficiary was a secondary beneficiary, meaning the benefit was not a pension, but a lump sum of his contributions. So that means if your aunt was able to prove that she was the only claimant (or if she was the only one written on your uncle’s list of beneficiary), then she has already received the whole lump sum. If you like to see if you can file your claim (there’s a 10-year window for filing), bring your uncle’s death certificate and your proof of relationship to your uncle, and your proof that you are one of the 2 valid claimants. I think this is a long, super stressful and maybe costly process, and I’m not sure if it’s worth fighting for, since in case you’re proven to be also a claimant after a long time, SSS will demand your aunt to return half of the money. I can be wrong; I’m not with SSS, so ask SSS. Or maybe it’s much better to just move on, and go and achieve your other more important goals.

Hi Ms. Nora, i’m separated but yet legal, with 2 kids. my husband has another family and they have 3 kids. is it possible for SSS to allow my husband’s mistress to replace me as my husband’s beneficiary? Her reason is that she’s the one he recognizes as his wife and has been living with for a long time.
If we are both members of sss, what are the SSS rights of each, since I’m the legal wife and legal beneficiary and vice versa? What are the requirements so that I my kids will get the benefits that my husband gets from me as my beneficiary, since he’s also a member? THanks po

Good day po ms. Nora. My uncle passed away a long time ago. He has 2 beneficiaries: myself, his nephew, and my aunt, who is their sibling on their mother’s side. Can I still claim benefits even my aunt has already claimed 6 years ago? Thanks a lot po

My mother passed away and as we remembered we are the beneficiaries (siblings)of my mom and us we get from sss office,but then my grandmother who’s 83 caring by my auntie get the death claim of my mother etc from SSS,which i think is not correct although my dad also passed away we(siblings)are only beneficiaries of my mother,according to sss rules if the mother/father still alive she/he can get the claim…I think it is not good even we are not minor we set to be the beneficiaries…

My mother passed away and as we remembered we are the beneficiaries (siblings)of my mom,but then my grandmother who’s 83 caring by my auntie get the funeral benefit of my mother etc from SSS,which i think is not correct although my dad also passed away we(siblings)are only beneficiaries of my mother,according to sss rules if the mother/father still alive she/he can get the claim…Just asking question if sss has a rule of that…I think it is not good…

Hi Nila, you can go to SSS and check who are written as your beneficiaries. If none, file an E4 to write your children as your dependents, with your children’s birth certificates (orig and xerox). If already written as beneficiary, you can only delete your husband as beneficiary if you can present an annulment declaration or divorce abroad. Anyway, your children can report to SSS later on that your husband has been separated from you for a long time (with proofs), so they can get the benefits. Or they can ask a notarized waiver to the SSS benefits from their father. Death benefits: funeral assistance and lump-sum (total contributions plus interests; not pension, as I assume they’re over 21).

I am separated from my husband., not legally. I want to make my children, both married, to be my sss beneficiaries. Is this possible? What benefits will they get upon my demise? How do I go about this?

Hello, I'm Nora.
I answer questions the best I can at the moment I'm writing my answers. Many times, if I'm not sure, I take the time to check circulars, guides, forms, news items, laws, etc.

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Sorry I was not able to respond to your questions these past few months. I went home to my province to care for my mother in the hospital and at home. She has recovered. I thank God for all His miracles and blessings.

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